This episode's main topic is about a listener question: is it advantageous incorporate a 13-payment plan with your mortgage lender? The answer is yes and possibly no.  We also take review listener feedback regarding recent personal finance tips of the week.  The roundtable the discussion is about our neighbor that continues to make other people's yard look worse.  We also tell story of woman that received her final child support payment in the form of 80,000 pennies that her ex-husband dumped on her curb.